Upstart Holdings, Inc. (UPST) 10-Year Financial Performance & Capital Metrics

UPST • • Banking & Credit

Financial ServicesCredit ServicesCredit Servicing and Structured Finance

AboutUpstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.Show more

Net Interest Income $0 -100.0%
Total Revenue $1.04B +54.2%
Net Income $54M +141.7%
Return on Equity 7.49% +136.9%
Net Interest Margin 0% -100.0%
Efficiency Ratio 95.92% -14.3%
ROA 2.01% +134.2%
Equity / Assets 26.85% +0.4%
Book Value per Share 7.43 +5.0%
Tangible BV/Share 6.81 +9.4%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 55.0%
✓Well capitalized: 26.9% equity/assets
✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗High cost structure: 95.9% efficiency ratio
✗Weak momentum: RS Rating 7 (bottom 7%)
✗Shares diluted 20.2% in last year
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y35.32%

3Y6.95%

TTM-

Profit (Net Income) CAGR

10Y-

5Y55.04%

3Y-

TTM119.15%

EPS CAGR

10Y-

5Y14.37%

3Y-

TTM111.81%

ROCE

10Y Avg-1.97%

5Y Avg-2.99%

3Y Avg-7.01%

Latest1.6%

Peer Comparison

Credit Servicing and Structured Finance

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BNHBrookfield Finance Inc. 4.625%		15.86	76.73	-10.34%	0.75%	0.61%		1.42
UPSTUpstart Holdings, Inc.	2.67B	27.23	60.51	54.2%	5.13%	4.33%
NRDSNerdWallet, Inc.	343.94M	10.85	16.95	21.67%	5.82%	13%	37.88%
FOAFinance Of America Companies Inc.	232	19.35	16.40	24.25%	0.79%	1.65%		90.98
AGMFederal Agricultural Mortgage Corporation	1.47B	157.66	9.48	-0.77%	11.32%	10.62%	5.45%	17.93
CGABLThe Carlyle Group Inc. 4.625% Subordinated Notes due 2061	6.33B	17.59	6.35	83.06%	18.81%	9.58%	15.96%
KKRSKKR Group Finance Co. IX LLC 4.	15.67B	17.59	3.34	50.89%	22.42%	7.96%	41.53%
YRDYiren Digital Ltd.	673.16M	3.90	0.74	18.59%	27.25%	12.13%	30.64%	0.00

Profit & Loss

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	50.2M	36.83M	18.38M	17.36M	94.74M	134.1M	138.23M	0
NII Growth %	-	-26.64%	-50.09%	-5.56%	445.72%	41.55%	3.08%	-100%
Net Interest Margin %	-	-	-	-	-	-	-	-
Interest Income	76.68M	63.31M	26.41M	20.63M	105.58M	169M	186.36M	0
Interest Expense	26.48M	26.48M	8.03M	3.27M	10.84M	34.89M	48.13M	-31.66M
Loan Loss Provision	-26.48M	0	0	0	4.68M	4.71M	0	31.66M
Non-Interest Income+	18.9M	125.95M	203.67M	829.25M	747.71M	378.72M	490.6M	1.04B
Non-Interest Income %	-	-	-	-	-	-	-	-
Total Revenue+	95.58M	189.27M	230.08M	849.89M	853.29M	547.72M	676.96M	1.04B
Revenue Growth %	-	98.02%	21.56%	269.39%	0.4%	-35.81%	23.6%	54.2%
Non-Interest Expense	106.8M	167.73M	216.1M	712.88M	946.83M	748.14M	757.23M	1B
Efficiency Ratio	-	-	-	-	-	-	-	-
Operating Income+	-7.97M	-4.95M	5.95M	133.73M	-109.07M	-240.03M	-128.4M	42.63M
Operating Margin %	-	-	-	-	-	-	-	-
Operating Income Growth %	-	37.95%	220.3%	2147.58%	-181.56%	-120.06%	46.51%	133.2%
Pretax Income+	-11.22M	-4.95M	5.95M	133.73M	-109.07M	-240.03M	-128.4M	54.33M
Pretax Margin %	-	-	-	-	-	-	-	-
Income Tax+	0	74K	371K	-1.71M	-409K	107K	185K	728K
Effective Tax Rate %	-	-	-	-	-	-	-	-
Net Income+	-12.32M	-466K	5.98M	135.44M	-108.67M	-240.13M	-128.58M	53.6M
Net Margin %	-	-	-	-	-	-	-	-
Net Income Growth %	-	96.22%	1383.91%	2163.8%	-180.23%	-120.98%	46.45%	141.69%
Net Income (Continuing)	-11.22M	-5.02M	5.58M	135.44M	-108.67M	-240.13M	-128.58M	0
EPS (Diluted)+	-0.87	-0.03	0.23	1.43	-1.31	-2.87	-1.44	0.45
EPS Growth %	-	96.26%	807.69%	521.74%	-191.61%	-119.08%	49.83%	131.25%
EPS (Basic)	-0.87	-0.03	0.27	1.73	-1.31	-2.87	-1.44	0.56
Diluted Shares Outstanding	14.13M	14.36M	26.37M	94.77M	82.77M	83.77M	89.45M	107.49M

Balance Sheet

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	73.04M	50.82M	258.77M	994.99M	432.41M	377.32M	793.61M	693.64M
Cash & Due from Banks	73.04M	50.82M	258.77M	994.99M	432.41M	377.32M	793.61M	652.39M
Short Term Investments	0	0	0	0	0	0	0	41.25M
Total Investments+	0	232.31M	78.46M	292.48M	1.05B	1.2B	849.42M	0
Investments Growth %	-	-	-66.23%	272.77%	259.57%	14.45%	-29.43%	-100%
Long-Term Investments	0	232.31M	78.46M	292.48M	1.05B	1.2B	849.42M	0
Accounts Receivables	2.53M	8.32M	11.66M	55.52M	46.65M	40.49M	48.23M	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-
Goodwill	0	0	0	67.06M	67.06M	67.06M	67.06M	67.06M
Intangible Assets	1.4M	0	0	19.91M	15.63M	11.36M	9.43M	0
PP&E (Net)	102K	22.22M	28.34M	120.38M	130.5M	97.35M	82.47M	81.73M
Other Assets	11.18M	40.46M	74.95M	231.83M	169.2M	187.07M	409.58M	0
Total Current Assets	633.22M	98.48M	295.5M	1.09B	501.99M	450.64M	948.99M	693.64M
Total Non-Current Assets	12.69M	294.98M	181.75M	731.65M	1.43B	1.57B	1.42B	148.79M
Total Assets+	645.91M	393.46M	477.25M	1.82B	1.94B	2.02B	2.37B	2.97B
Asset Growth %	-	-39.08%	21.3%	281.44%	6.35%	4.19%	17.34%	25.68%
Return on Assets (ROA)	-1.91%	-0.09%	1.37%	11.79%	-5.79%	-12.15%	-5.87%	2.01%
Accounts Payable	2.92M	6.56M	13.78M	6.56M	18.71M	12.61M	12.38M	0
Total Debt+	501.23M	135.67M	82.06M	795.8M	1.09B	1.1B	1.45B	0
Net Debt	428.19M	84.85M	-176.71M	-199.19M	654.77M	725.42M	658.84M	-652.39M
Long-Term Debt	448.05M	34.01M	22.13M	647.4M	649.94M	653M	1.21B	0
Short-Term Debt	49.27M	84.6M	40.49M	48.03M	336.45M	387.43M	195.6M	0
Other Liabilities	22.79M	292.17M	56.36M	125.52M	112.39M	208.17M	166.62M	0
Total Current Liabilities	71.81M	111.91M	79.08M	140.09M	400.5M	458.3M	310.28M	0
Total Non-Current Liabilities	470.84M	343.24M	97.93M	873.28M	863.12M	923.5M	1.42B	0
Total Liabilities	542.65M	455.15M	177M	1.01B	1.26B	1.38B	1.73B	2.18B
Total Equity+	103.25M	-61.69M	300.25M	807.08M	672.43M	635.3M	633.22M	798.82M
Equity Growth %	-	-159.74%	586.73%	168.8%	-16.68%	-5.52%	-0.33%	26.15%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-11.93%	-2.24%	5.02%	24.46%	-14.69%	-36.72%	-20.27%	7.49%
Book Value per Share	7.31	-4.30	11.38	8.52	8.12	7.58	7.08	7.43
Tangible BV per Share	-	-	-	-	-	-	-	-
Common Stock	1K	2K	7K	8K	8K	9K	9K	10K
Additional Paid-in Capital	8.41M	12.49M	369.47M	740.85M	714.87M	917.87M	1.04B	0
Retained Earnings	-75.08M	-75.2M	-69.22M	66.22M	-42.44M	-282.58M	-411.16M	-357.56M
Accumulated OCI	0	0	0	0	0	0	0	0
Treasury Stock	0	0	0	0	0	0	0	0
Preferred Stock	157.92M	0	0	0	0	0	0	0

Cash Flow

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	50.34M	31.58M	15.7M	168.35M	-674.68M	-160.49M	186.33M	-147.72M
Operating CF Growth %	-	-37.26%	-50.3%	972.52%	-500.75%	76.21%	216.1%	-179.28%
Net Income	-11.22M	-5.02M	5.58M	135.44M	-108.67M	-240.13M	-128.58M	53.6M
Depreciation & Amortization	314K	774K	2.28M	7.54M	13.51M	24.9M	20.55M	-24.31M
Deferred Taxes	42.28M	0	29.05M	0	0	0	0	0
Other Non-Cash Items	2.98M	31.99M	-50.98M	-103.06M	-683.61M	395.34M	99.48M	-308.96M
Working Capital Changes	13.93M	33K	18.25M	55.24M	-21.87M	-340.6M	61.48M	0
Cash from Investing+	-137.24M	45.43M	136.52M	-143.88M	-114.13M	-118.45M	-237.73M	-637.3M
Purchase of Investments	-421.12M	0	-9.65M	-40M	-1.25M	-157.22M	-63.28M	-1.03B
Sale/Maturity of Investments	1000K	1000K	1000K	0	1000K	1000K	0	1000K
Net Investment Activity	-	-	-	-	-	-	-	-
Acquisitions	8.91M	0	-87.69M	-16.76M	-16.76M	-56.89M	0	0
Other Investing	-137.42M	40.68M	142.12M	-78.69M	-87.49M	4.33M	-173.6M	0
Cash from Financing+	135.77M	-119.19M	79.05M	855.43M	130.03M	214.27M	559.87M	0
Dividends Paid	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	-177.88M	0	-22K	0
Stock Issued	292.7M	0	159.49M	263.93M	0	178.2M	0	0
Net Stock Activity	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	1000K	1000K	1000K	0
Other Financing	-2M	-4.48M	1.75M	-55.6M	20.02M	8.42M	-2.76M	0
Net Change in Cash+	48.87M	-42.17M	231.27M	879.91M	-658.77M	-64.68M	508.48M	0
Exchange Rate Effect	0	0	0	0	0	0	0	0
Cash at Beginning	73.38M	122.24M	80.07M	311.33M	1.19B	532.47M	467.79M	0
Cash at End	122.24M	80.07M	311.33M	1.19B	532.47M	467.79M	976.26M	0
Interest Paid	0	26.87M	0	3.27M	12.47M	0	43.12M	0
Income Taxes Paid	0	0	0	2.3M	328K	0	258K	0
Free Cash Flow+	49.29M	26.3M	10.09M	153.24M	-697.59M	-162.02M	185.49M	-147.72M
FCF Growth %	-	-46.64%	-61.63%	1418.41%	-555.24%	76.77%	214.49%	-179.64%

Banking Ratios

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	-11.93%	-2.24%	5.02%	24.46%	-14.69%	-36.72%	-20.27%	7.49%
Return on Assets (ROA)	-1.91%	-0.09%	1.37%	11.79%	-5.79%	-12.15%	-5.87%	2.01%
Net Interest Margin	7.77%	9.36%	3.85%	0.95%	4.89%	6.65%	5.84%	0%
Efficiency Ratio	111.74%	88.62%	93.93%	83.88%	110.96%	136.59%	111.86%	95.92%
Equity / Assets	15.99%	-15.68%	62.91%	44.33%	34.73%	31.5%	26.75%	26.85%
Book Value / Share	7.31	-4.3	11.38	8.52	8.12	7.58	7.08	7.43
NII Growth	-	-26.64%	-50.09%	-5.56%	445.72%	41.55%	3.08%	-100%

← Back to Screener

US Stock Screener

...

Upstart Holdings, Inc. (UPST) 10-Year Financial Performance & Capital Metrics

UPST • • Banking & Credit

Financial ServicesCredit ServicesCredit Servicing and Structured Finance

Net Interest Income $0 -100.0%
Total Revenue $1.04B +54.2%
Net Income $54M +141.7%
Return on Equity 7.49% +136.9%
Net Interest Margin 0% -100.0%
Efficiency Ratio 95.92% -14.3%
ROA 2.01% +134.2%
Equity / Assets 26.85% +0.4%
Book Value per Share 7.43 +5.0%
Tangible BV/Share 6.81 +9.4%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 55.0%
✓Well capitalized: 26.9% equity/assets
✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗High cost structure: 95.9% efficiency ratio
✗Weak momentum: RS Rating 7 (bottom 7%)
✗Shares diluted 20.2% in last year
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y35.32%

3Y6.95%

TTM-

Profit (Net Income) CAGR

10Y-

5Y55.04%

3Y-

TTM119.15%

EPS CAGR

10Y-

5Y14.37%

3Y-

TTM111.81%

ROCE

10Y Avg-1.97%

5Y Avg-2.99%

3Y Avg-7.01%

Latest1.6%

Peer Comparison

Credit Servicing and Structured Finance

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BNHBrookfield Finance Inc. 4.625%		15.86	76.73	-10.34%	0.75%	0.61%		1.42
UPSTUpstart Holdings, Inc.	2.67B	27.23	60.51	54.2%	5.13%	4.33%
NRDSNerdWallet, Inc.	343.94M	10.85	16.95	21.67%	5.82%	13%	37.88%
FOAFinance Of America Companies Inc.	232	19.35	16.40	24.25%	0.79%	1.65%		90.98
AGMFederal Agricultural Mortgage Corporation	1.47B	157.66	9.48	-0.77%	11.32%	10.62%	5.45%	17.93
CGABLThe Carlyle Group Inc. 4.625% Subordinated Notes due 2061	6.33B	17.59	6.35	83.06%	18.81%	9.58%	15.96%
KKRSKKR Group Finance Co. IX LLC 4.	15.67B	17.59	3.34	50.89%	22.42%	7.96%	41.53%
YRDYiren Digital Ltd.	673.16M	3.90	0.74	18.59%	27.25%	12.13%	30.64%	0.00

Profit & Loss

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	50.2M	36.83M	18.38M	17.36M	94.74M	134.1M	138.23M	0
NII Growth %	-	-26.64%	-50.09%	-5.56%	445.72%	41.55%	3.08%	-100%
Net Interest Margin %	-	-	-	-	-	-	-	-
Interest Income	76.68M	63.31M	26.41M	20.63M	105.58M	169M	186.36M	0
Interest Expense	26.48M	26.48M	8.03M	3.27M	10.84M	34.89M	48.13M	-31.66M
Loan Loss Provision	-26.48M	0	0	0	4.68M	4.71M	0	31.66M
Non-Interest Income+	18.9M	125.95M	203.67M	829.25M	747.71M	378.72M	490.6M	1.04B
Non-Interest Income %	-	-	-	-	-	-	-	-
Total Revenue+	95.58M	189.27M	230.08M	849.89M	853.29M	547.72M	676.96M	1.04B
Revenue Growth %	-	98.02%	21.56%	269.39%	0.4%	-35.81%	23.6%	54.2%
Non-Interest Expense	106.8M	167.73M	216.1M	712.88M	946.83M	748.14M	757.23M	1B
Efficiency Ratio	-	-	-	-	-	-	-	-
Operating Income+	-7.97M	-4.95M	5.95M	133.73M	-109.07M	-240.03M	-128.4M	42.63M
Operating Margin %	-	-	-	-	-	-	-	-
Operating Income Growth %	-	37.95%	220.3%	2147.58%	-181.56%	-120.06%	46.51%	133.2%
Pretax Income+	-11.22M	-4.95M	5.95M	133.73M	-109.07M	-240.03M	-128.4M	54.33M
Pretax Margin %	-	-	-	-	-	-	-	-
Income Tax+	0	74K	371K	-1.71M	-409K	107K	185K	728K
Effective Tax Rate %	-	-	-	-	-	-	-	-
Net Income+	-12.32M	-466K	5.98M	135.44M	-108.67M	-240.13M	-128.58M	53.6M
Net Margin %	-	-	-	-	-	-	-	-
Net Income Growth %	-	96.22%	1383.91%	2163.8%	-180.23%	-120.98%	46.45%	141.69%
Net Income (Continuing)	-11.22M	-5.02M	5.58M	135.44M	-108.67M	-240.13M	-128.58M	0
EPS (Diluted)+	-0.87	-0.03	0.23	1.43	-1.31	-2.87	-1.44	0.45
EPS Growth %	-	96.26%	807.69%	521.74%	-191.61%	-119.08%	49.83%	131.25%
EPS (Basic)	-0.87	-0.03	0.27	1.73	-1.31	-2.87	-1.44	0.56
Diluted Shares Outstanding	14.13M	14.36M	26.37M	94.77M	82.77M	83.77M	89.45M	107.49M

Balance Sheet

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	73.04M	50.82M	258.77M	994.99M	432.41M	377.32M	793.61M	693.64M
Cash & Due from Banks	73.04M	50.82M	258.77M	994.99M	432.41M	377.32M	793.61M	652.39M
Short Term Investments	0	0	0	0	0	0	0	41.25M
Total Investments+	0	232.31M	78.46M	292.48M	1.05B	1.2B	849.42M	0
Investments Growth %	-	-	-66.23%	272.77%	259.57%	14.45%	-29.43%	-100%
Long-Term Investments	0	232.31M	78.46M	292.48M	1.05B	1.2B	849.42M	0
Accounts Receivables	2.53M	8.32M	11.66M	55.52M	46.65M	40.49M	48.23M	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-
Goodwill	0	0	0	67.06M	67.06M	67.06M	67.06M	67.06M
Intangible Assets	1.4M	0	0	19.91M	15.63M	11.36M	9.43M	0
PP&E (Net)	102K	22.22M	28.34M	120.38M	130.5M	97.35M	82.47M	81.73M
Other Assets	11.18M	40.46M	74.95M	231.83M	169.2M	187.07M	409.58M	0
Total Current Assets	633.22M	98.48M	295.5M	1.09B	501.99M	450.64M	948.99M	693.64M
Total Non-Current Assets	12.69M	294.98M	181.75M	731.65M	1.43B	1.57B	1.42B	148.79M
Total Assets+	645.91M	393.46M	477.25M	1.82B	1.94B	2.02B	2.37B	2.97B
Asset Growth %	-	-39.08%	21.3%	281.44%	6.35%	4.19%	17.34%	25.68%
Return on Assets (ROA)	-1.91%	-0.09%	1.37%	11.79%	-5.79%	-12.15%	-5.87%	2.01%
Accounts Payable	2.92M	6.56M	13.78M	6.56M	18.71M	12.61M	12.38M	0
Total Debt+	501.23M	135.67M	82.06M	795.8M	1.09B	1.1B	1.45B	0
Net Debt	428.19M	84.85M	-176.71M	-199.19M	654.77M	725.42M	658.84M	-652.39M
Long-Term Debt	448.05M	34.01M	22.13M	647.4M	649.94M	653M	1.21B	0
Short-Term Debt	49.27M	84.6M	40.49M	48.03M	336.45M	387.43M	195.6M	0
Other Liabilities	22.79M	292.17M	56.36M	125.52M	112.39M	208.17M	166.62M	0
Total Current Liabilities	71.81M	111.91M	79.08M	140.09M	400.5M	458.3M	310.28M	0
Total Non-Current Liabilities	470.84M	343.24M	97.93M	873.28M	863.12M	923.5M	1.42B	0
Total Liabilities	542.65M	455.15M	177M	1.01B	1.26B	1.38B	1.73B	2.18B
Total Equity+	103.25M	-61.69M	300.25M	807.08M	672.43M	635.3M	633.22M	798.82M
Equity Growth %	-	-159.74%	586.73%	168.8%	-16.68%	-5.52%	-0.33%	26.15%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-11.93%	-2.24%	5.02%	24.46%	-14.69%	-36.72%	-20.27%	7.49%
Book Value per Share	7.31	-4.30	11.38	8.52	8.12	7.58	7.08	7.43
Tangible BV per Share	-	-	-	-	-	-	-	-
Common Stock	1K	2K	7K	8K	8K	9K	9K	10K
Additional Paid-in Capital	8.41M	12.49M	369.47M	740.85M	714.87M	917.87M	1.04B	0
Retained Earnings	-75.08M	-75.2M	-69.22M	66.22M	-42.44M	-282.58M	-411.16M	-357.56M
Accumulated OCI	0	0	0	0	0	0	0	0
Treasury Stock	0	0	0	0	0	0	0	0
Preferred Stock	157.92M	0	0	0	0	0	0	0

Cash Flow

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	50.34M	31.58M	15.7M	168.35M	-674.68M	-160.49M	186.33M	-147.72M
Operating CF Growth %	-	-37.26%	-50.3%	972.52%	-500.75%	76.21%	216.1%	-179.28%
Net Income	-11.22M	-5.02M	5.58M	135.44M	-108.67M	-240.13M	-128.58M	53.6M
Depreciation & Amortization	314K	774K	2.28M	7.54M	13.51M	24.9M	20.55M	-24.31M
Deferred Taxes	42.28M	0	29.05M	0	0	0	0	0
Other Non-Cash Items	2.98M	31.99M	-50.98M	-103.06M	-683.61M	395.34M	99.48M	-308.96M
Working Capital Changes	13.93M	33K	18.25M	55.24M	-21.87M	-340.6M	61.48M	0
Cash from Investing+	-137.24M	45.43M	136.52M	-143.88M	-114.13M	-118.45M	-237.73M	-637.3M
Purchase of Investments	-421.12M	0	-9.65M	-40M	-1.25M	-157.22M	-63.28M	-1.03B
Sale/Maturity of Investments	1000K	1000K	1000K	0	1000K	1000K	0	1000K
Net Investment Activity	-	-	-	-	-	-	-	-
Acquisitions	8.91M	0	-87.69M	-16.76M	-16.76M	-56.89M	0	0
Other Investing	-137.42M	40.68M	142.12M	-78.69M	-87.49M	4.33M	-173.6M	0
Cash from Financing+	135.77M	-119.19M	79.05M	855.43M	130.03M	214.27M	559.87M	0
Dividends Paid	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	-177.88M	0	-22K	0
Stock Issued	292.7M	0	159.49M	263.93M	0	178.2M	0	0
Net Stock Activity	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	1000K	1000K	1000K	0
Other Financing	-2M	-4.48M	1.75M	-55.6M	20.02M	8.42M	-2.76M	0
Net Change in Cash+	48.87M	-42.17M	231.27M	879.91M	-658.77M	-64.68M	508.48M	0
Exchange Rate Effect	0	0	0	0	0	0	0	0
Cash at Beginning	73.38M	122.24M	80.07M	311.33M	1.19B	532.47M	467.79M	0
Cash at End	122.24M	80.07M	311.33M	1.19B	532.47M	467.79M	976.26M	0
Interest Paid	0	26.87M	0	3.27M	12.47M	0	43.12M	0
Income Taxes Paid	0	0	0	2.3M	328K	0	258K	0
Free Cash Flow+	49.29M	26.3M	10.09M	153.24M	-697.59M	-162.02M	185.49M	-147.72M
FCF Growth %	-	-46.64%	-61.63%	1418.41%	-555.24%	76.77%	214.49%	-179.64%

Banking Ratios

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	-11.93%	-2.24%	5.02%	24.46%	-14.69%	-36.72%	-20.27%	7.49%
Return on Assets (ROA)	-1.91%	-0.09%	1.37%	11.79%	-5.79%	-12.15%	-5.87%	2.01%
Net Interest Margin	7.77%	9.36%	3.85%	0.95%	4.89%	6.65%	5.84%	0%
Efficiency Ratio	111.74%	88.62%	93.93%	83.88%	110.96%	136.59%	111.86%	95.92%
Equity / Assets	15.99%	-15.68%	62.91%	44.33%	34.73%	31.5%	26.75%	26.85%
Book Value / Share	7.31	-4.3	11.38	8.52	8.12	7.58	7.08	7.43
NII Growth	-	-26.64%	-50.09%	-5.56%	445.72%	41.55%	3.08%	-100%

Upstart Holdings, Inc. (UPST) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare UPST vs Peers

vs KKRS

vs CGABL

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios

Upstart Holdings, Inc. (UPST) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare UPST vs Peers

vs KKRS

vs CGABL

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios